First Nlc Financial Services, Mortgage Lending & HMDA Data, 2004

In 2004, First Nlc Financial Services, of Boca Raton, FL reported 40,204 mortgage applications totaling $5.8 billion, up 89% from 2003. The average application was for $143,502, and applicants reported an average income of $70,863. 56% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (3,267), Miami-Miami Beach-Kendall, FL (3,140) and Riverside-San Bernardino-Ontario, CA (1,888) (applications in parentheses).

Mortgage Company & Address First Nlc Financial Services,
4680 Conference Way South
Boca Raton, FL 33431
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 40,204
Total Mortgage Loan Application Amount $5,769,384,000
Average Mortgage Loan Application Amount $143,502
Highest Mortgage Loan Application Amount $2,896,000
Average Applicant Income $70,863
Highest Applicant Income $1,789,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Nlc Financial Services, filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for First Nlc Financial Services, by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Miami-Dade, Florida 3,140 $ 418,581,000 $ 133,306 $ 68,000
Cook, Illinois 2,258 $ 354,324,000 $ 156,919 $ 68,000
Los Angeles, California 1,836 $ 389,349,000 $ 212,063 $ 97,000
Broward, Florida 1,755 $ 230,531,000 $ 131,356 $ 69,000
Wayne, Michigan 1,068 $ 97,231,000 $ 91,040 $ 63,000
Riverside, California 982 $ 171,065,000 $ 174,200 $ 85,000
Sacramento, California 934 $ 144,795,000 $ 155,026 $ 80,000
San Bernardino, California 906 $ 137,027,000 $ 151,243 $ 78,000
Maricopa, Arizona 884 $ 77,250,000 $ 87,386 $ 63,000
San Diego, California 806 $ 190,089,000 $ 235,842 $ 113,000
Clark, Nevada 745 $ 105,647,000 $ 141,808 $ 66,000
Contra Costa, California 725 $ 149,661,000 $ 206,428 $ 100,000
Orange, California 708 $ 183,797,000 $ 259,600 $ 124,000
Santa Clara, California 668 $ 161,965,000 $ 242,462 $ 120,000
Palm Beach, Florida 562 $ 78,216,000 $ 139,174 $ 62,000
San Joaquin, California 525 $ 88,106,000 $ 167,820 $ 85,000
Hillsborough, Florida 435 $ 43,068,000 $ 99,006 $ 50,000
Stanislaus, California 407 $ 59,328,000 $ 145,769 $ 79,000
Prince George's, Maryland 396 $ 60,673,000 $ 153,214 $ 71,000
Providence, Rhode Island 383 $ 59,598,000 $ 155,608 $ 62,000
Orange, Florida 362 $ 38,442,000 $ 106,193 $ 51,000
Alameda, California 358 $ 87,351,000 $ 243,997 $ 121,000
Pinellas, Florida 358 $ 39,218,000 $ 109,547 $ 51,000
Shelby, Tennessee 335 $ 28,647,000 $ 85,513 $ 56,000
Will, Illinois 324 $ 52,931,000 $ 163,367 $ 68,000
Solano, California 313 $ 61,872,000 $ 197,674 $ 100,000
Monroe, Pennsylvania 298 $ 34,985,000 $ 117,399 $ 59,000
DuPage, Illinois 269 $ 50,584,000 $ 188,044 $ 79,000
Oakland, Michigan 257 $ 40,591,000 $ 157,941 $ 75,000
Duval, Florida 255 $ 24,913,000 $ 97,698 $ 50,000
Allegheny, Pennsylvania 255 $ 23,552,000 $ 92,360 $ 56,000
Kane, Illinois 250 $ 37,351,000 $ 149,404 $ 71,000
Kern, California 247 $ 27,989,000 $ 113,315 $ 56,000
Fresno, California 242 $ 27,403,000 $ 113,235 $ 59,000
Macomb, Michigan 238 $ 32,150,000 $ 135,084 $ 58,000
Lake, Illinois 216 $ 38,350,000 $ 177,546 $ 75,000
Pasco, Florida 214 $ 19,758,000 $ 92,327 $ 46,000
Montgomery, Maryland 205 $ 38,748,000 $ 189,014 $ 83,000
Lee, Florida 199 $ 21,133,000 $ 106,195 $ 69,000
Sonoma, California 185 $ 39,676,000 $ 214,464 $ 90,000
Pike, Pennsylvania 175 $ 20,357,000 $ 116,325 $ 57,000
St. Lucie, Florida 174 $ 20,009,000 $ 114,994 $ 56,000
Mecklenburg, North Carolina 162 $ 15,081,000 $ 93,092 $ 60,000
Fulton, Georgia 156 $ 18,439,000 $ 118,198 $ 90,000
Guilford, North Carolina 153 $ 13,699,000 $ 89,535 $ 58,000
King, Washington 150 $ 24,029,000 $ 160,193 $ 76,000
Polk, Florida 141 $ 12,009,000 $ 85,170 $ 48,000
Lake, Indiana 140 $ 12,895,000 $ 92,107 $ 53,000
Monterey, California 135 $ 30,395,000 $ 225,148 $ 112,000
Volusia, Florida 134 $ 12,511,000 $ 93,365 $ 52,000
Wake, North Carolina 134 $ 14,016,000 $ 104,597 $ 61,000
Prince William, Virginia 132 $ 20,857,000 $ 158,007 $ 73,000
Lucas, Ohio 130 $ 11,812,000 $ 90,861 $ 54,000
Ventura, California 129 $ 34,149,000 $ 264,720 $ 120,000
Milwaukee, Wisconsin 126 $ 10,316,000 $ 81,873 $ 48,000
Merced, California 123 $ 17,934,000 $ 145,804 $ 77,000
Marion, Indiana 121 $ 8,436,000 $ 69,719 $ 37,000
Pierce, Washington 121 $ 14,909,000 $ 123,214 $ 69,000
DeKalb, Georgia 117 $ 13,994,000 $ 119,606 $ 66,000
San Mateo, California 111 $ 31,911,000 $ 287,486 $ 137,000
Brevard, Florida 111 $ 11,134,000 $ 100,306 $ 52,000
Tulare, California 108 $ 10,866,000 $ 100,611 $ 70,000
Hartford, Connecticut 107 $ 12,366,000 $ 115,570 $ 67,000
McHenry, Illinois 104 $ 18,285,000 $ 175,817 $ 78,000
Worcester, Massachusetts 103 $ 17,689,000 $ 171,737 $ 70,000
Davidson, Tennessee 103 $ 9,099,000 $ 88,339 $ 48,000
Fairfax, Virginia 101 $ 20,402,000 $ 202,000 $ 90,000
Yolo, California 100 $ 16,001,000 $ 160,010 $ 129,000
Denver, Colorado 98 $ 14,576,000 $ 148,734 $ 76,000
Philadelphia, Pennsylvania 92 $ 8,828,000 $ 95,956 $ 59,000
Snohomish, Washington 92 $ 14,299,000 $ 155,423 $ 65,000
Forsyth, North Carolina 91 $ 8,196,000 $ 90,065 $ 43,000
New Haven, Connecticut 89 $ 10,970,000 $ 123,258 $ 63,000
Collier, Florida 89 $ 13,308,000 $ 149,528 $ 68,000
Osceola, Florida 89 $ 10,500,000 $ 117,977 $ 52,000
Sarasota, Florida 88 $ 10,511,000 $ 119,443 $ 78,000
Genesee, Michigan 88 $ 9,018,000 $ 102,477 $ 46,000
Hernando, Florida 86 $ 9,190,000 $ 106,860 $ 56,000
Baltimore, Maryland 86 $ 12,082,000 $ 140,488 $ 62,000
Adams, Colorado 84 $ 11,427,000 $ 136,035 $ 81,000
Westmoreland, Pennsylvania 84 $ 8,417,000 $ 100,202 $ 54,000
Seminole, Florida 80 $ 8,522,000 $ 106,525 $ 56,000
Kent, Rhode Island 80 $ 12,563,000 $ 157,037 $ 70,000
Spokane, Washington 80 $ 7,775,000 $ 97,187 $ 47,000
Baltimore City, Maryland 79 $ 6,559,000 $ 83,025 $ 49,000
Fairfield, Connecticut 72 $ 12,770,000 $ 177,361 $ 72,000
Madera, California 71 $ 7,580,000 $ 106,760 $ 57,000
Arapahoe, Colorado 69 $ 10,026,000 $ 145,304 $ 59,000
Kent, Michigan 68 $ 6,982,000 $ 102,676 $ 64,000
Orleans, Louisiana 67 $ 6,948,000 $ 103,701 $ 58,000
Hampden, Massachusetts 67 $ 7,420,000 $ 110,746 $ 49,000
Washington, Pennsylvania 67 $ 6,382,000 $ 95,253 $ 59,000
Pinal, Arizona 66 $ 4,962,000 $ 75,181 $ 53,000
Clayton, Georgia 66 $ 5,986,000 $ 90,696 $ 50,000
Hennepin, Minnesota 66 $ 13,229,000 $ 200,439 $ 77,000
Placer, California 63 $ 14,634,000 $ 232,285 $ 132,000
Sutter, California 62 $ 7,791,000 $ 125,661 $ 92,000
Jefferson, Kentucky 61 $ 5,184,000 $ 84,983 $ 45,000
Napa, California 60 $ 14,414,000 $ 240,233 $ 144,000
Gwinnett, Georgia 59 $ 8,497,000 $ 144,016 $ 99,000
Santa Cruz, California 57 $ 13,812,000 $ 242,315 $ 109,000
Anne Arundel, Maryland 56 $ 8,727,000 $ 155,839 $ 69,000
Franklin, Ohio 56 $ 5,245,000 $ 93,660 $ 44,000
Jefferson, Louisiana 55 $ 5,801,000 $ 105,472 $ 89,000
Ada, Idaho 54 $ 6,134,000 $ 113,592 $ 62,000
St. Louis, Missouri 54 $ 4,654,000 $ 86,185 $ 40,000
Chesterfield, Virginia 53 $ 6,809,000 $ 128,471 $ 58,000
St. Clair, Michigan 52 $ 6,434,000 $ 123,730 $ 56,000
Bristol, Massachusetts 51 $ 9,027,000 $ 177,000 $ 73,000
Washtenaw, Michigan 50 $ 8,204,000 $ 164,080 $ 77,000
Davidson, North Carolina 50 $ 3,774,000 $ 75,480 $ 37,000
Dauphin, Pennsylvania 50 $ 4,888,000 $ 97,760 $ 49,000
Essex, Massachusetts 49 $ 10,286,000 $ 209,918 $ 84,000
Middlesex, Massachusetts 49 $ 10,496,000 $ 214,204 $ 82,000
Hamilton, Ohio 49 $ 4,325,000 $ 88,265 $ 47,000
Northampton, Pennsylvania 49 $ 5,441,000 $ 111,040 $ 59,000
Yuba, California 48 $ 6,488,000 $ 135,166 $ 66,000
New London, Connecticut 47 $ 7,047,000 $ 149,936 $ 62,000
Durham, North Carolina 47 $ 5,211,000 $ 110,872 $ 60,000
Multnomah, Oregon 47 $ 5,741,000 $ 122,148 $ 63,000
Ingham, Michigan 45 $ 3,593,000 $ 79,844 $ 45,000
Virginia Beach, Virginia 45 $ 5,080,000 $ 112,888 $ 48,000
Imperial, California 44 $ 5,189,000 $ 117,931 $ 50,000
Cobb, Georgia 44 $ 5,325,000 $ 121,022 $ 83,000
Washington, Oregon 44 $ 4,850,000 $ 110,227 $ 79,000
Lake, Florida 43 $ 4,420,000 $ 102,790 $ 53,000
Winnebago, Illinois 43 $ 4,257,000 $ 99,000 $ 50,000
Suffolk, Massachusetts 43 $ 10,140,000 $ 235,813 $ 98,000
Frederick, Maryland 42 $ 7,028,000 $ 167,333 $ 72,000
Kendall, Illinois 41 $ 7,099,000 $ 173,146 $ 73,000
Plymouth, Massachusetts 41 $ 7,851,000 $ 191,487 $ 71,000
Manatee, Florida 40 $ 5,965,000 $ 149,125 $ 57,000
LaSalle, Illinois 40 $ 4,530,000 $ 113,250 $ 62,000
Salt Lake, Utah 40 $ 3,886,000 $ 97,150 $ 49,000
Kings, California 39 $ 4,758,000 $ 122,000 $ 57,000
Jefferson, Colorado 39 $ 6,303,000 $ 161,615 $ 68,000
Norfolk, Virginia 39 $ 3,127,000 $ 80,179 $ 39,000
Clay, Florida 38 $ 3,981,000 $ 104,763 $ 65,000
LaPorte, Indiana 37 $ 2,723,000 $ 73,594 $ 39,000
Polk, Iowa 37 $ 3,852,000 $ 104,108 $ 37,000
Livingston, Michigan 37 $ 6,221,000 $ 168,135 $ 83,000
Delaware, Pennsylvania 37 $ 5,753,000 $ 155,486 $ 75,000
Nash, North Carolina 36 $ 2,742,000 $ 76,166 $ 51,000
Washington, Rhode Island 36 $ 6,928,000 $ 192,444 $ 70,000
Kitsap, Washington 36 $ 5,804,000 $ 161,222 $ 70,000
Knox, Tennessee 35 $ 3,491,000 $ 99,742 $ 54,000
Richmond City, Virginia 35 $ 3,221,000 $ 92,028 $ 47,000
Charles, Maryland 34 $ 5,442,000 $ 160,058 $ 89,000
Tulsa, Oklahoma 34 $ 3,036,000 $ 89,294 $ 145,000
Loudoun, Virginia 34 $ 7,184,000 $ 211,294 $ 83,000
Howard, Maryland 33 $ 5,909,000 $ 179,060 $ 86,000
Montgomery, Pennsylvania 33 $ 5,602,000 $ 169,757 $ 65,000
Hamilton, Tennessee 33 $ 2,577,000 $ 78,090 $ 46,000
Stark, Ohio 32 $ 2,458,000 $ 76,812 $ 44,000
Porter, Indiana 31 $ 2,652,000 $ 85,548 $ 66,000
Sumner, Tennessee 31 $ 2,611,000 $ 84,225 $ 44,000
Chesapeake, Virginia 31 $ 4,143,000 $ 133,645 $ 63,000
Pulaski, Arkansas 30 $ 3,148,000 $ 104,933 $ 73,000
San Benito, California 30 $ 6,911,000 $ 230,366 $ 100,000
Weld, Colorado 30 $ 3,612,000 $ 120,400 $ 49,000
Montgomery, Ohio 30 $ 2,356,000 $ 78,533 $ 48,000
Clark, Washington 30 $ 4,134,000 $ 137,800 $ 56,000
McLean, Illinois 29 $ 3,195,000 $ 110,172 $ 54,000
East Baton Rouge, Louisiana 29 $ 2,276,000 $ 78,482 $ 46,000
Beaver, Pennsylvania 29 $ 2,785,000 $ 96,034 $ 45,000
Fayette, Pennsylvania 29 $ 2,602,000 $ 89,724 $ 49,000
Rutherford, Tennessee 29 $ 3,310,000 $ 114,137 $ 44,000
Waukesha, Wisconsin 29 $ 4,774,000 $ 164,620 $ 70,000
San Francisco, California 28 $ 8,585,000 $ 306,607 $ 117,000
Kenton, Kentucky 28 $ 2,165,000 $ 77,321 $ 52,000
Ramsey, Minnesota 28 $ 3,678,000 $ 131,357 $ 42,000
Cuyahoga, Ohio 28 $ 3,012,000 $ 107,571 $ 49,000
Lorain, Ohio 28 $ 2,566,000 $ 91,642 $ 46,000
Erie, Pennsylvania 28 $ 2,461,000 $ 87,892 $ 43,000
Henrico, Virginia 28 $ 3,034,000 $ 108,357 $ 52,000
Stafford, Virginia 28 $ 5,032,000 $ 179,714 $ 86,000
Marin, California 27 $ 7,457,000 $ 276,185 $ 135,000
St. Joseph, Indiana 27 $ 1,821,000 $ 67,444 $ 69,000
Bucks, Pennsylvania 27 $ 4,700,000 $ 174,074 $ 78,000
Franklin, Pennsylvania 27 $ 2,543,000 $ 94,185 $ 47,000
Dallas, Texas 27 $ 3,781,000 $ 140,037 $ 76,000
El Dorado, California 26 $ 5,518,000 $ 212,230 $ 118,000
Kootenai, Idaho 26 $ 2,524,000 $ 97,076 $ 52,000
Monroe, Michigan 26 $ 3,336,000 $ 128,307 $ 64,000
Summit, Ohio 26 $ 2,120,000 $ 81,538 $ 43,000
Oklahoma, Oklahoma 26 $ 2,384,000 $ 91,692 $ 71,000
Lehigh, Pennsylvania 26 $ 2,512,000 $ 96,615 $ 49,000
Mercer, Pennsylvania 26 $ 1,813,000 $ 69,730 $ 38,000
Pima, Arizona 25 $ 2,965,000 $ 118,600 $ 63,000
Elkhart, Indiana 25 $ 1,929,000 $ 77,160 $ 45,000
Saginaw, Michigan 25 $ 2,113,000 $ 84,520 $ 45,000
Randolph, North Carolina 25 $ 2,120,000 $ 84,800 $ 47,000
Butte, California 24 $ 2,544,000 $ 106,000 $ 55,000
El Paso, Colorado 24 $ 2,542,000 $ 105,916 $ 58,000
Marion, Florida 24 $ 2,103,000 $ 87,625 $ 59,000
Canyon, Idaho 24 $ 2,359,000 $ 98,291 $ 49,000
Tazewell, Illinois 24 $ 1,832,000 $ 76,333 $ 47,000
Harford, Maryland 24 $ 3,962,000 $ 165,083 $ 76,000
Jackson, Missouri 24 $ 2,115,000 $ 88,125 $ 47,000
Benton, Washington 24 $ 2,241,000 $ 93,375 $ 58,000
Racine, Wisconsin 24 $ 2,978,000 $ 124,083 $ 65,000
Allen, Indiana 23 $ 1,999,000 $ 86,913 $ 46,000
Johnston, North Carolina 23 $ 1,847,000 $ 80,304 $ 49,000
Johnson, Indiana 22 $ 2,190,000 $ 99,545 $ 54,000
Clackamas, Oregon 22 $ 2,836,000 $ 128,909 $ 81,000
Wilson, Tennessee 22 $ 1,619,000 $ 73,590 $ 52,000
Yakima, Washington 22 $ 2,290,000 $ 104,090 $ 62,000
Middlesex, Connecticut 21 $ 2,704,000 $ 128,761 $ 55,000
Norfolk, Massachusetts 21 $ 4,515,000 $ 215,000 $ 77,000
Anoka, Minnesota 21 $ 3,378,000 $ 160,857 $ 56,000
Butler, Pennsylvania 21 $ 2,579,000 $ 122,809 $ 61,000
Windham, Connecticut 20 $ 2,348,000 $ 117,400 $ 50,000
Alachua, Florida 20 $ 1,564,000 $ 78,200 $ 44,000
Henry, Georgia 20 $ 2,584,000 $ 129,200 $ 69,000
Vanderburgh, Indiana 20 $ 1,894,000 $ 94,700 $ 42,000
Eaton, Michigan 20 $ 1,854,000 $ 92,700 $ 62,000
Jackson, Michigan 20 $ 2,211,000 $ 110,550 $ 44,000
Lenawee, Michigan 20 $ 2,134,000 $ 106,700 $ 49,000
Luzerne, Pennsylvania 20 $ 1,534,000 $ 76,700 $ 46,000
Spotsylvania, Virginia 20 $ 3,803,000 $ 190,150 $ 81,000
Kankakee, Illinois 19 $ 1,565,000 $ 82,368 $ 39,000
Ottawa, Michigan 19 $ 2,119,000 $ 111,526 $ 47,000
Wilson, North Carolina 19 $ 1,469,000 $ 77,315 $ 56,000
Madison, Tennessee 19 $ 1,816,000 $ 95,578 $ 54,000
Manassas, Virginia 19 $ 2,992,000 $ 157,473 $ 64,000
Monroe, Florida 18 $ 4,992,000 $ 277,333 $ 125,000
Peoria, Illinois 18 $ 1,361,000 $ 75,611 $ 42,000
Rock Island, Illinois 18 $ 1,481,000 $ 82,277 $ 48,000
Allegan, Michigan 18 $ 1,997,000 $ 110,944 $ 52,000
Calhoun, Michigan 18 $ 1,661,000 $ 92,277 $ 50,000
Kalamazoo, Michigan 18 $ 1,729,000 $ 96,055 $ 54,000
St. Louis City, Missouri 18 $ 1,608,000 $ 89,333 $ 47,000
Buncombe, North Carolina 18 $ 2,110,000 $ 117,222 $ 65,000
Carteret, North Carolina 18 $ 2,556,000 $ 142,000 $ 89,000
Edgecombe, North Carolina 18 $ 1,454,000 $ 80,777 $ 40,000
Rowan, North Carolina 18 $ 1,631,000 $ 90,611 $ 46,000
Butler, Ohio 18 $ 1,796,000 $ 99,777 $ 55,000
Clark, Ohio 18 $ 1,423,000 $ 79,055 $ 43,000
Lawrence, Pennsylvania 18 $ 1,235,000 $ 68,611 $ 36,000
Harris, Texas 18 $ 2,887,000 $ 160,388 $ 82,000
Newport News, Virginia 18 $ 1,333,000 $ 74,055 $ 36,000
Kenosha, Wisconsin 18 $ 2,020,000 $ 112,222 $ 73,000
Lake, California 17 $ 1,650,000 $ 97,058 $ 59,000
Flagler, Florida 17 $ 1,667,000 $ 98,058 $ 74,000
Indian River, Florida 17 $ 1,480,000 $ 87,058 $ 62,000
Carbon, Pennsylvania 17 $ 1,361,000 $ 80,058 $ 45,000
York, Pennsylvania 17 $ 1,740,000 $ 102,352 $ 48,000
Larimer, Colorado 16 $ 2,341,000 $ 146,312 $ 86,000
Bibb, Georgia 16 $ 1,037,000 $ 64,812 $ 42,000
Whiteside, Illinois 16 $ 1,470,000 $ 91,875 $ 138,000
Hamilton, Indiana 16 $ 1,863,000 $ 116,437 $ 91,000
Knox, Indiana 16 $ 1,169,000 $ 73,062 $ 37,000
Van Buren, Michigan 16 $ 1,384,000 $ 86,500 $ 39,000
Dona Ana, New Mexico 16 $ 1,599,000 $ 99,937 $ 47,000
Onslow, North Carolina 16 $ 1,020,000 $ 63,750 $ 43,000
Union, North Carolina 16 $ 1,432,000 $ 89,500 $ 56,000
Hampton, Virginia 16 $ 1,418,000 $ 88,625 $ 42,000
Portsmouth, Virginia 16 $ 1,331,000 $ 83,187 $ 37,000
Lewis, Washington 16 $ 1,673,000 $ 104,562 $ 47,000
Whatcom, Washington 16 $ 2,540,000 $ 158,750 $ 82,000
Waupaca, Wisconsin 16 $ 1,045,000 $ 65,312 $ 46,000
St. Johns, Florida 15 $ 2,899,000 $ 193,266 $ 121,000
Catoosa, Georgia 15 $ 2,002,000 $ 133,466 $ 56,000
Douglas, Georgia 15 $ 1,649,000 $ 109,933 $ 55,000
Boone, Illinois 15 $ 1,806,000 $ 120,400 $ 70,000
Caddo, Louisiana 15 $ 1,331,000 $ 88,733 $ 44,000
Wright, Minnesota 15 $ 3,156,000 $ 210,400 $ 70,000
Allen, Ohio 15 $ 1,194,000 $ 79,600 $ 46,000
Marion, Oregon 15 $ 1,372,000 $ 91,466 $ 49,000
Dane, Wisconsin 15 $ 2,334,000 $ 155,600 $ 72,000
Mendocino, California 14 $ 2,819,000 $ 201,357 $ 164,000
Boulder, Colorado 14 $ 2,061,000 $ 147,214 $ 73,000
Douglas, Colorado 14 $ 3,004,000 $ 214,571 $ 108,000
Pueblo, Colorado 14 $ 1,304,000 $ 93,142 $ 36,000
Litchfield, Connecticut 14 $ 2,402,000 $ 171,571 $ 206,000
Tolland, Connecticut 14 $ 2,275,000 $ 162,500 $ 57,000
Citrus, Florida 14 $ 1,465,000 $ 104,642 $ 62,000
Escambia, Florida 14 $ 2,152,000 $ 153,714 $ 79,000
Highlands, Florida 14 $ 1,131,000 $ 80,785 $ 44,000
Clark, Indiana 14 $ 903,000 $ 64,500 $ 44,000
Morgan, Indiana 14 $ 1,238,000 $ 88,428 $ 56,000
Vigo, Indiana 14 $ 745,000 $ 53,214 $ 31,000
St. John the Baptist, Louisiana 14 $ 1,024,000 $ 73,142 $ 49,000
Lapeer, Michigan 14 $ 1,949,000 $ 139,214 $ 56,000
Gaston, North Carolina 14 $ 1,368,000 $ 97,714 $ 48,000
Cumberland, Pennsylvania 14 $ 1,464,000 $ 104,571 $ 70,000
Lebanon, Pennsylvania 14 $ 1,285,000 $ 91,785 $ 50,000
Dickson, Tennessee 14 $ 1,153,000 $ 82,357 $ 58,000
Santa Barbara, California 13 $ 3,858,000 $ 296,769 $ 121,000
Martin, Florida 13 $ 2,442,000 $ 187,846 $ 74,000
DeKalb, Illinois 13 $ 1,726,000 $ 132,769 $ 64,000
St. Clair, Illinois 13 $ 1,088,000 $ 83,692 $ 37,000
Tippecanoe, Indiana 13 $ 1,416,000 $ 108,923 $ 73,000
Shelby, Kentucky 13 $ 953,000 $ 73,307 $ 44,000
St. Tammany, Louisiana 13 $ 1,832,000 $ 140,923 $ 79,000
Washington, Maryland 13 $ 2,643,000 $ 203,307 $ 62,000
Barnstable, Massachusetts 13 $ 2,401,000 $ 184,692 $ 81,000
Berrien, Michigan 13 $ 1,062,000 $ 81,692 $ 34,000
Cabarrus, North Carolina 13 $ 1,609,000 $ 123,769 $ 56,000
Granville, North Carolina 13 $ 1,149,000 $ 88,384 $ 59,000
Pitt, North Carolina 13 $ 966,000 $ 74,307 $ 44,000
Lake, Ohio 13 $ 1,650,000 $ 126,923 $ 53,000
Cherokee, Oklahoma 13 $ 1,129,000 $ 86,846 $ 37,000
Lackawanna, Pennsylvania 13 $ 1,065,000 $ 81,923 $ 53,000
Lancaster, Pennsylvania 13 $ 1,900,000 $ 146,153 $ 90,000
Thurston, Washington 13 $ 1,861,000 $ 143,153 $ 63,000
Yavapai, Arizona 12 $ 1,605,000 $ 133,750 $ 67,000
Yuma, Arizona 12 $ 1,082,000 $ 90,166 $ 72,000
Garland, Arkansas 12 $ 1,086,000 $ 90,500 $ 48,000
Cherokee, Georgia 12 $ 1,890,000 $ 157,500 $ 83,000
Newton, Georgia 12 $ 1,178,000 $ 98,166 $ 52,000
Floyd, Indiana 12 $ 1,004,000 $ 83,666 $ 64,000
Howard, Indiana 12 $ 987,000 $ 82,250 $ 30,000
Barry, Michigan 12 $ 1,399,000 $ 116,583 $ 52,000
Muskegon, Michigan 12 $ 1,505,000 $ 125,416 $ 39,000
Otter Tail, Minnesota 12 $ 1,025,000 $ 85,416 $ 43,000
Clay, Missouri 12 $ 904,000 $ 75,333 $ 50,000
Craven, North Carolina 12 $ 634,000 $ 52,833 $ 51,000
Trumbull, Ohio 12 $ 860,000 $ 71,666 $ 50,000
Yamhill, Oregon 12 $ 1,210,000 $ 100,833 $ 56,000
Chester, Pennsylvania 12 $ 2,203,000 $ 183,583 $ 61,000
Wayne, Pennsylvania 12 $ 1,365,000 $ 113,750 $ 58,000
Williamson, Tennessee 12 $ 1,871,000 $ 155,916 $ 92,000
Cowlitz, Washington 12 $ 1,304,000 $ 108,666 $ 42,000
San Luis Obispo, California 11 $ 2,591,000 $ 235,545 $ 79,000
Tehama, California 11 $ 1,157,000 $ 105,181 $ 52,000
Charlotte, Florida 11 $ 1,297,000 $ 117,909 $ 50,000
Fayette, Georgia 11 $ 2,647,000 $ 240,636 $ 127,000
Walker, Georgia 11 $ 961,000 $ 87,363 $ 50,000
Fulton, Illinois 11 $ 841,000 $ 76,454 $ 49,000
Vermilion, Illinois 11 $ 812,000 $ 73,818 $ 47,000
Madison, Indiana 11 $ 822,000 $ 74,727 $ 40,000
Black Hawk, Iowa 11 $ 800,000 $ 72,727 $ 43,000
Bullitt, Kentucky 11 $ 1,067,000 $ 97,000 $ 54,000
St. Charles, Louisiana 11 $ 1,081,000 $ 98,272 $ 53,000
Franklin, Massachusetts 11 $ 1,647,000 $ 149,727 $ 55,000
Rockingham, North Carolina 11 $ 988,000 $ 89,818 $ 56,000
Jackson, Oregon 11 $ 1,250,000 $ 113,636 $ 88,000
Newport, Rhode Island 11 $ 2,291,000 $ 208,272 $ 67,000
Fayette, Tennessee 11 $ 846,000 $ 76,909 $ 46,000
Bexar, Texas 11 $ 1,550,000 $ 140,909 $ 68,000
Roanoke City, Virginia 11 $ 748,000 $ 68,000 $ 44,000
Grays Harbor, Washington 11 $ 1,360,000 $ 123,636 $ 46,000
Coconino, Arizona 10 $ 1,321,000 $ 132,100 $ 82,000
Leon, Florida 10 $ 841,000 $ 84,100 $ 45,000
Knox, Illinois 10 $ 1,468,000 $ 146,800 $ 80,000
Livingston, Louisiana 10 $ 763,000 $ 76,300 $ 40,000
Tangipahoa, Louisiana 10 $ 950,000 $ 95,000 $ 44,000
Cecil, Maryland 10 $ 1,061,000 $ 106,100 $ 44,000
Dakota, Minnesota 10 $ 2,170,000 $ 217,000 $ 70,000
Jefferson, Missouri 10 $ 1,157,000 $ 115,700 $ 44,000
Franklin, North Carolina 10 $ 939,000 $ 93,900 $ 49,000
Robeson, North Carolina 10 $ 1,080,000 $ 108,000 $ 59,000
Fairfield, Ohio 10 $ 1,424,000 $ 142,400 $ 60,000
Greene, Ohio 10 $ 951,000 $ 95,100 $ 45,000
Mahoning, Ohio 10 $ 922,000 $ 92,200 $ 41,000
Sandusky, Ohio 10 $ 704,000 $ 70,400 $ 51,000
Warren, Ohio 10 $ 1,505,000 $ 150,500 $ 87,000
Bristol, Rhode Island 10 $ 2,323,000 $ 232,300 $ 94,000
Montgomery, Tennessee 10 $ 1,088,000 $ 108,800 $ 52,000
Fort Bend, Texas 10 $ 1,235,000 $ 123,500 $ 57,000
Tarrant, Texas 10 $ 1,341,000 $ 134,100 $ 103,000
Petersburg, Virginia 10 $ 711,000 $ 71,100 $ 41,000
Suffolk, Virginia 10 $ 1,246,000 $ 124,600 $ 88,000
Calaveras, California 9 $ 1,711,000 $ 190,111 $ 91,000
Shasta, California 9 $ 1,947,000 $ 216,333 $ 88,000
Paulding, Georgia 9 $ 852,000 $ 94,666 $ 63,000
Richmond, Georgia 9 $ 1,016,000 $ 112,888 $ 83,000
Rockdale, Georgia 9 $ 947,000 $ 105,222 $ 53,000
Twin Falls, Idaho 9 $ 652,000 $ 72,444 $ 59,000
Henry, Illinois 9 $ 785,000 $ 87,222 $ 52,000
Madison, Illinois 9 $ 857,000 $ 95,222 $ 66,000
Marshall, Indiana 9 $ 673,000 $ 74,777 $ 83,000
Woodbury, Iowa 9 $ 1,062,000 $ 118,000 $ 61,000
Fayette, Kentucky 9 $ 884,000 $ 98,222 $ 47,000
Allegany, Maryland 9 $ 796,000 $ 88,444 $ 57,000
St. Mary's, Maryland 9 $ 1,174,000 $ 130,444 $ 77,000
Wicomico, Maryland 9 $ 835,000 $ 92,777 $ 49,000
Berkshire, Massachusetts 9 $ 1,272,000 $ 141,333 $ 66,000
Ionia, Michigan 9 $ 849,000 $ 94,333 $ 45,000
Tuscola, Michigan 9 $ 879,000 $ 97,666 $ 100,000
Chisago, Minnesota 9 $ 1,372,000 $ 152,444 $ 52,000
Scott, Minnesota 9 $ 2,092,000 $ 232,444 $ 60,000
Nye, Nevada 9 $ 901,000 $ 100,111 $ 54,000
Person, North Carolina 9 $ 742,000 $ 82,444 $ 48,000
Muskogee, Oklahoma 9 $ 645,000 $ 71,666 $ 51,000
Berks, Pennsylvania 9 $ 1,078,000 $ 119,777 $ 50,000
Sevier, Tennessee 9 $ 650,000 $ 72,222 $ 37,000
Clallam, Washington 9 $ 1,168,000 $ 129,777 $ 51,000
Grant, Washington 9 $ 1,031,000 $ 114,555 $ 66,000
Skagit, Washington 9 $ 1,277,000 $ 141,888 $ 71,000
Mesa, Colorado 8 $ 787,000 $ 98,375 $ 59,000
Grundy, Illinois 8 $ 1,008,000 $ 126,000 $ 57,000
Hendricks, Indiana 8 $ 1,153,000 $ 144,125 $ 50,000
Monroe, Indiana 8 $ 832,000 $ 104,000 $ 47,000
Starke, Indiana 8 $ 573,000 $ 71,625 $ 27,000
Warrick, Indiana 8 $ 653,000 $ 81,625 $ 41,000
Linn, Iowa 8 $ 616,000 $ 77,000 $ 45,000
Pottawattamie, Iowa 8 $ 916,000 $ 114,500 $ 53,000
Scott, Iowa 8 $ 834,000 $ 104,250 $ 51,000
Bay, Michigan 8 $ 624,000 $ 78,000 $ 41,000
Montcalm, Michigan 8 $ 695,000 $ 86,875 $ 55,000
Carlton, Minnesota 8 $ 850,000 $ 106,250 $ 51,000
Isanti, Minnesota 8 $ 1,438,000 $ 179,750 $ 62,000
Meeker, Minnesota 8 $ 1,091,000 $ 136,375 $ 47,000
Morrison, Minnesota 8 $ 728,000 $ 91,000 $ 41,000
Rice, Minnesota 8 $ 1,466,000 $ 183,250 $ 52,000
Stearns, Minnesota 8 $ 1,076,000 $ 134,500 $ 42,000
Washington, Minnesota 8 $ 2,029,000 $ 253,625 $ 80,000
Lyon, Nevada 8 $ 761,000 $ 95,125 $ 37,000
Cumberland, North Carolina 8 $ 735,000 $ 91,875 $ 74,000
Iredell, North Carolina 8 $ 706,000 $ 88,250 $ 46,000
Lincoln, North Carolina 8 $ 716,000 $ 89,500 $ 44,000
Champaign, Ohio 8 $ 691,000 $ 86,375 $ 41,000
Lane, Oregon 8 $ 722,000 $ 90,250 $ 39,000
Wasco, Oregon 8 $ 559,000 $ 69,875 $ 55,000
Humphreys, Tennessee 8 $ 415,000 $ 51,875 $ 26,000
Maury, Tennessee 8 $ 940,000 $ 117,500 $ 47,000
Tipton, Tennessee 8 $ 622,000 $ 77,750 $ 48,000
Davis, Utah 8 $ 720,000 $ 90,000 $ 45,000
Utah, Utah 8 $ 1,161,000 $ 145,125 $ 73,000
Weber, Utah 8 $ 813,000 $ 101,625 $ 42,000
Fauquier, Virginia 8 $ 1,726,000 $ 215,750 $ 76,000
Walworth, Wisconsin 8 $ 757,000 $ 94,625 $ 90,000
Washington, Wisconsin 8 $ 1,010,000 $ 126,250 $ 63,000
Colusa, California 7 $ 652,000 $ 93,142 $ 72,000
New Castle, Delaware 7 $ 867,000 $ 123,857 $ 64,000
Bay, Florida 7 $ 936,000 $ 133,714 $ 53,000
Putnam, Florida 7 $ 600,000 $ 85,714 $ 46,000
Coweta, Georgia 7 $ 878,000 $ 125,428 $ 46,000
Elmore, Idaho 7 $ 440,000 $ 62,857 $ 39,000
Bureau, Illinois 7 $ 731,000 $ 104,428 $ 59,000
Macon, Illinois 7 $ 650,000 $ 92,857 $ 63,000
Sangamon, Illinois 7 $ 510,000 $ 72,857 $ 52,000
Greene, Indiana 7 $ 314,000 $ 44,857 $ 25,000
Lawrence, Indiana 7 $ 461,000 $ 65,857 $ 38,000
Shelby, Indiana 7 $ 510,000 $ 72,857 $ 38,000
Daviess, Kentucky 7 $ 425,000 $ 60,714 $ 33,000
Henry, Kentucky 7 $ 447,000 $ 63,857 $ 51,000
Terrebonne, Louisiana 7 $ 466,000 $ 66,571 $ 48,000
Carroll, Maryland 7 $ 1,686,000 $ 240,857 $ 103,000
Hillsdale, Michigan 7 $ 655,000 $ 93,571 $ 33,000
Shiawassee, Michigan 7 $ 810,000 $ 115,714 $ 45,000
Carver, Minnesota 7 $ 1,317,000 $ 188,142 $ 77,000
Clay, Minnesota 7 $ 862,000 $ 123,142 $ 48,000
Crow Wing, Minnesota 7 $ 924,000 $ 132,000 $ 35,000
Sherburne, Minnesota 7 $ 1,387,000 $ 198,142 $ 52,000
Winona, Minnesota 7 $ 837,000 $ 119,571 $ 59,000
St. Charles, Missouri 7 $ 752,000 $ 107,428 $ 64,000
Alamance, North Carolina 7 $ 484,000 $ 69,142 $ 42,000
Catawba, North Carolina 7 $ 511,000 $ 73,000 $ 66,000
Cleveland, North Carolina 7 $ 472,000 $ 67,428 $ 33,000
Pasquotank, North Carolina 7 $ 786,000 $ 112,285 $ 72,000
Miami, Ohio 7 $ 732,000 $ 104,571 $ 46,000
Wood, Ohio 7 $ 826,000 $ 118,000 $ 61,000
Bedford, Tennessee 7 $ 484,000 $ 69,142 $ 32,000
Blount, Tennessee 7 $ 630,000 $ 90,000 $ 62,000
Sullivan, Tennessee 7 $ 633,000 $ 90,428 $ 59,000
Collin, Texas 7 $ 1,398,000 $ 199,714 $ 91,000
Culpeper, Virginia 7 $ 1,209,000 $ 172,714 $ 58,000
Mason, Washington 7 $ 883,000 $ 126,142 $ 81,000
Walla Walla, Washington 7 $ 648,000 $ 92,571 $ 43,000
Outagamie, Wisconsin 7 $ 535,000 $ 76,428 $ 36,000
Navajo, Arizona 6 $ 493,000 $ 82,166 $ 44,000
Benton, Arkansas 6 $ 687,000 $ 114,500 $ 42,000
Las Animas, Colorado 6 $ 450,000 $ 75,000 $ 46,000
Nez Perce, Idaho 6 $ 506,000 $ 84,333 $ 49,000
Payette, Idaho 6 $ 565,000 $ 94,166 $ 42,000
Iroquois, Illinois 6 $ 450,000 $ 75,000 $ 44,000
Lee, Illinois 6 $ 525,000 $ 87,500 $ 52,000
Bartholomew, Indiana 6 $ 458,000 $ 76,333 $ 38,000
Bossier, Louisiana 6 $ 598,000 $ 99,666 $ 77,000
Calcasieu, Louisiana 6 $ 1,095,000 $ 182,500 $ 93,000
Rapides, Louisiana 6 $ 419,000 $ 69,833 $ 40,000
St. Bernard, Louisiana 6 $ 648,000 $ 108,000 $ 72,000
Sanilac, Michigan 6 $ 631,000 $ 105,166 $ 47,000
Olmsted, Minnesota 6 $ 631,000 $ 105,166 $ 37,000
Washoe, Nevada 6 $ 755,000 $ 125,833 $ 55,000
Dare, North Carolina 6 $ 1,942,000 $ 323,666 $ 159,000
Stokes, North Carolina 6 $ 409,000 $ 68,166 $ 57,000
Transylvania, North Carolina 6 $ 462,000 $ 77,000 $ 60,000
Wayne, North Carolina 6 $ 401,000 $ 66,833 $ 42,000
Clermont, Ohio 6 $ 538,000 $ 89,666 $ 66,000
Fulton, Ohio 6 $ 540,000 $ 90,000 $ 62,000
Hancock, Ohio 6 $ 421,000 $ 70,166 $ 37,000
Richland, Ohio 6 $ 501,000 $ 83,500 $ 36,000
Douglas, Oregon 6 $ 516,000 $ 86,000 $ 23,000
Columbia, Pennsylvania 6 $ 634,000 $ 105,666 $ 58,000
Lycoming, Pennsylvania 6 $ 596,000 $ 99,333 $ 52,000
Bradley, Tennessee 6 $ 477,000 $ 79,500 $ 40,000
Gibson, Tennessee 6 $ 325,000 $ 54,166 $ 38,000
Arlington, Virginia 6 $ 1,366,000 $ 227,666 $ 85,000
Frederick, Virginia 6 $ 861,000 $ 143,500 $ 47,000
Franklin, Washington 6 $ 532,000 $ 88,666 $ 63,000
Island, Washington 6 $ 1,243,000 $ 207,166 $ 57,000
Stevens, Washington 6 $ 682,000 $ 113,666 $ 40,000
Ozaukee, Wisconsin 6 $ 1,093,000 $ 182,166 $ 69,000
Winnebago, Wisconsin 6 $ 530,000 $ 88,333 $ 55,000
Mohave, Arizona 5 $ 413,000 $ 82,600 $ 70,000
Jefferson, Arkansas 5 $ 706,000 $ 141,200 $ 43,000
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Mortgage Loan Application Detail Totals for First Nlc Financial Services, in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 22,126 $2,981,116,000 $106,750 $2,156,000 $63,000 $1,200,000
Refinancing 18,069 $2,787,412,000 $132,317 $2,896,000 $60,219 $1,789,000
Home Improvement 9 $856,000 $90,800 $320,000 $53,000 $76,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 15,851 $2,198,726,000 $121,024 $2,896,000 $63,463 $1,789,000
Hispanic 8,870 $1,312,124,000 $113,312 $1,372,000 $57,187 $695,000
Black or African American 7,397 $888,865,000 $120,777 $671,000 $62,888 $1,200,000
Not Provided 3,276 $521,081,000 $129,567 $940,000 $65,648 $1,563,000
American Indian or Alaskan Native 3,104 $522,181,000 $110,774 $650,000 $53,064 $1,582,000
Asian 1,407 $274,795,000 $148,888 $1,000,000 $71,481 $528,000
Native Hawaiian or Other Pacific Islander 299 $51,612,000 $135,407 $640,000 $57,962 $240,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 40,204 $5,769,384,000 $118,463 $2,896,000 $60,756 $1,789,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 22,457 $3,186,775,000 $116,350 $2,896,000 $59,400 $1,789,000
Application Withdrawn By Applicant 11,891 $1,753,541,000 $122,951 $1,800,000 $62,341 $1,563,000
Application Denied By Financial Institution 3,240 $418,809,000 $119,200 $975,000 $61,971 $744,000
Application Approved But Not Accepted 1,462 $204,881,000 $119,333 $604,000 $58,121 $479,000
File Closed For Incompleteness 1,154 $205,378,000 $135,483 $770,000 $67,096 $1,318,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Nlc Financial Services,'s 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess First Nlc Financial Services,'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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